Asset Class
Retail Property Financing Nationwide | NNN, Strip Centers, Shopping Centers
Bridge, CMBS, bank, and life-co financing for single-tenant net lease (NNN), strip centers, grocery-anchored shopping centers, and mixed-use retail across all 50 states.
Bridge
Up to 75% LTV, 12–36 mo
CMBS
Up to 75% LTV, 5–10 yr
Bank/Life-Co
Up to 70% LTV, 5–25 yr
Property Types
NNN, strip, shopping ctr
Anchor Pref.
Grocery / necessity
Min Size
$4M+
Retail real estate financing requires lenders that underwrite tenant credit, lease term, sales per square foot, and co-tenancy risk. Rad Capital Group arranges retail debt from $4 million to $100 million nationwide on a wide range of retail property types.
Single-tenant net lease (STNL) properties — credit-tenant retail like Walgreens, Dollar General, McDonald's, AutoZone, and 7-Eleven — qualify for high-leverage, long-amortization debt from life companies, banks, and CMBS conduits. Strip centers and unanchored multi-tenant retail typically finance through banks and bridge lenders, with a path to CMBS at stabilization.
Grocery-anchored and necessity-based shopping centers continue to attract aggressive permanent and CMBS pricing, particularly with strong anchors and weighted average lease terms (WALT) of 5+ years. We also finance mixed-use retail (ground-floor retail with apartments or office above) through both retail and multifamily lender channels.
Typical structures: 65–75% LTV on bridge, 70–75% LTV on CMBS, 65–75% LTV on bank/life-co permanent, with DSCR thresholds of 1.25x–1.40x depending on tenant credit and lease term.
Frequently Asked Questions
Can I finance a single-tenant net lease (STNL) property?
Yes — credit-tenant STNL properties receive some of the most aggressive leverage and rate offerings in the market from life companies and CMBS conduits, often at 70–75% LTV with sub-7% fixed rates.
What about non-grocery anchored shopping centers?
Unanchored or non-grocery anchored centers typically require lower leverage (60–70% LTV) and higher DSCR thresholds (1.35x+), with bridge debt often used for repositioning before CMBS take-out.
Related Financing
Loan Product
Bridge Loans
Short-term commercial bridge financing for acquisitions, value-add repositioning, and time-sensitive recapitalizations — placed with 150+ direct bridge lenders nationwide.
Loan Product
CMBS Loans
Fixed-rate, non-recourse commercial mortgage-backed securities (CMBS) financing for stabilized hotels, retail, office, multifamily, industrial, and self-storage properties.
Loan Product
Mezzanine Financing & Preferred Equity
Subordinate mezzanine debt and preferred equity to bridge the gap between senior loans and sponsor equity — increasing leverage to 85–90% on acquisitions, refinances, and development projects nationwide.
Ready to explore retail property financing?
Initial term sheets in as little as 2 weeks. Nationwide.